Truth in Savings Account
Disclosure

Except as specifically described, the following disclosures apply to all of the accounts.

Rate Information. The Annual Percentage Yield is
a percentage rate that reflects the total amount of dividends to be
paid on an account based on the dividend rate and frequency of compounding
for an annual period. For all accounts, the Dividend Rate and Annual
Percentage Yield may change at any time as determined by the Credit
Unionís Board of Directors. The Savings Share, Escrow Share, and Christmas
Club accounts are Tiered Rate accounts. If your account balance
is from $50.00 to $99.99, the second Dividend Rate and Annual Percentage
Yield listed for the account will apply. If your account balance is
greater than $100.00, the third Dividend Rate and Annual Percentage
Yield listed for the account will apply. Once a particular balance range
is met, the Dividend Rate and Annual Percentage Yield for that balance
range will apply to the full balance of your account.

Nature of Dividends. Dividends are paid from current
income and available earnings after required transfers to reserves at
the end of the dividend period. The Dividend Rates and Annual Percentage
Yields are the prospective rates and yields that the Credit Union anticipates
paying for applicable dividend period.

Dividend Compounding and Crediting. The Compounding
and crediting of dividends and dividend period applicable to each account
are set forth in the Rate Schedule. The Dividend Period is the period
of time at the end of which an account earns dividend credit. The Dividend
Period begins on the first calendar day of the period and ends on the
last calendar day of the period.

Accrual of Dividends. For all accounts, dividends
will begin to accrue on non cash deposits (e.g. checks) on the business
day you make the deposit to your account.

Balance Information. The minimum balance requirements
applicable to each account are set forth in the Rate Schedule. For Savings
Share, Money Fund Share, Christmas Club, and Checking Share Accounts,
there is a minimum daily balance required to obtain the Annual Percentage
Yield for the dividend period. If the minimum daily balance is not met,
you will not earn the state Annual Percentage Yield. For all accounts
using a Daily Balance method, dividends are calculated by applying a
daily periodic rate to the principal in the account each day.